Allstate vs. Travelers Car Insurance [2021]

Our Allstate vs. Travelers car insurance comparison discusses each company's coverage options, rates, available discounts, and industry ratings. While Travelers generally has lower rates, Allstate may be better for teen drivers. Both companies are comparable in their industry ratings and financial reputation. Read below for more details.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 13, 2021

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Here's what you need to know...

  • Both Allstate and Travelers offer basic coverage types, as well as the ability to customize your coverage with add-ons.
  • Travelers generally offers lower rates, but Allstate may be a better option for teen drivers.
  • Both companies have comparable industry ratings, but Travelers may have a better complaint ratio, meaning customers may be happier.

Deciding on the right car insurance company for you can be difficult. Your search for cheap car insurance could lead you to consider some of the top car insurance companies, such as Allstate or Travelers.

We hope that our Allstate vs. Travelers car insurance comparison will help make your search easier. Below, we’ll compare Allstate and Travelers based on their coverage options, rates, available discounts, and industry ratings.

If you need more help finding an insurance company, enter your ZIP code above to use our free quote comparison tool.

What coverage options do Allstate and Travelers offer?

Both Allstate and Travelers offer basic car insurance coverage types, including liability coverage, comprehensive coverage, collision coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, and medical payments coverage.

They both also offer rental car coverage, roadside assistance, new car replacement, accident forgiveness, rideshare insurance, and umbrella policies.

The Allstate car insurance company also offers sound system insurance and classic car insurance.

The Travelers car insurance company offers gap insurance.

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Who has cheaper rates?

Let’s compare the annual car insurance rates by demographic for Allstate and Travelers below:

Allstate vs. Travelers Annual Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Annual RatesTravelers Average Annual Rates
Single 17-year-old female$9,282.19$9,307.32
Single 17-year-old male$10,642.53$12,850.91
Single 25-year-old female$3,424.87$2,325.25
Single 25-year-old male$3,570.93$2,491.21
Married 35-year-old female$3,156.09$2,178.66
Married 35-year-old male$3,123.01$2,199.51
Married 60-year-old female$2,913.37$2,051.98
Married 60-year-old male$2,990.64$2,074.41
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As can be seen in the table above, Allstate car insurance rates may be better for teenagers, while Travelers car insurance rates may be better for adults. However, both companies’ rates are higher than the national average.

Which company offers better discounts?

Allstate and Travelers both offer the following car insurance discounts:

  • Multiple policy discount
  • Safe driver discount
  • New car discount
  • EFT, paid in full, and good payer discounts
  • Good student/student-away-at-school discounts

Allstate alone offers the following discounts:

  • Anti-lock brake discount
  • Anti-theft device discount
  • Early signing discount
  • Paperless document discount

Travelers alone offers the following discounts:

  • Multi-car discount
  • Homeownership discount
  • Continuous insurance discount
  • Hybrid/electric vehicle discount
  • Early quote discount
  • Driver training discount

Even through Travelers generally offers lower rates than Allstate (except for teenagers), you may be able to get lower rates from either depending on which discounts you qualify for.

Does Allstate or Travelers have better industry ratings?

According the the BBB website, both Allstate and Travelers are comparable in their ratings. While neither company is accredited by the BBB, both have an A+ rating.

Allstate has a 1.2/5 star rating, and Travelers has a 1.21/5 star rating. However, Allstate has 458 customer complaints from the past year, while Travelers only has 143.

Allstate has a complaint ratio of 1.28, which is worse than the national average of 1.00, meaning they get more complaints than company’s of their size. Travelers’ complaint ratio varies depending on the source, but most suggest a much lower ratio than the national average.

According to A.M. Best Rating, Travelers’ A++ financial strength rating is slightly higher than Allstate’s A+ financial strength rating. However, this indicates that both companies are well-equipped to handle their financial obligations, such as paying claims.

What are the pros of each company?

The pros of buying Allstate auto insurance are:

  • TraAuto insurance is available in all states.
  • Over 19,000 agents makes it easy to find one in your area.
  • Insurance options make it easy to customize your coverage.
  • Their app makes managing your account convenient.

The pros of buying Travelers auto insurance are:

  • Travelers’ new car replacement lasts for five years, versus the average of two or three years.
  • Travelers offers discounts for hybrid or electric vehicles.

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How can I get quotes?

Allstate car insurance quotes can be found by using their website (www.allstate.com) or contacting one of their agents. You will need to provide your name, date of birth, address, and vehicle information (year, make, and model or VIN).

Travelers car insurance quotes can also be found on their website (www.travelers.com) or by calling (888) 725-3110.

Conclusion: Allstate vs. Travelers Car Insurance

Both Allstate and Travelers offer basic coverage types, as well as more customizable coverages, such as rideshare insurance. They both also offer plenty of discounts to customize your coverage and lower your rates.

While Travelers generally has lower rates than Allstate, Allstate may be a better option for teen drivers. Depending on the discounts you qualify for, either company could have lower rates specific to your situation.

Allstate and Travelers have very similar BBB ratings. Both have A+ ratings. Both companies also have very strong financial ratings through A.M. Best.

However, Allstate has a complaint ratio higher than the national average, while Travelers seems to have one that is lower than the national average, so Travelers customers may be happier with their coverage and customer service.

To find affordable car insurance rates near you, enter your ZIP code into our free quote comparison tool below.

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